From Paycheque to Legacy: How White-Collar Canadians Use Life Insurance for Generational Wealth Turning Today’s Income Into Tomorrow’s Legacy For many white-collar Canadians, financial success isn’t just about earning more - it’s about building something lasting. Whether you’re an executive, professional, or business owner, you’ve worked hard to create financial stability and opportunity for [...]
The Cost of Waiting: Why Delaying Life Insurance Can Hurt Your Financial Future Procrastination Comes at a Price For many professionals, buying life insurance tends to sit on the “someday” list. Between busy careers, family obligations, and competing financial goals, it’s easy to delay making the call. But what most people don’t realize is [...]
Funding Whole Life Insurance – And How to Compare the Equivalent Rate of Return When clients start exploring permanent life insurance—particularly Whole Life Insurance for estate planning—one question comes up often: “This sounds too good to be true. Is it really?” And honestly, that’s a great question to ask. Because Whole Life insurance isn’t [...]
How Would a Disability Change Your Life? Why Income Protection for a Disability Should Be a Priority for Every Working Canadian Could you retire tomorrow? If not, you’re likely relying on your regular paycheque to maintain your lifestyle. Mortgage or rent, groceries, utilities, car payments, investments, vacations, kids’ expenses, and daily comforts—your income supports [...]
10 Benefits of Life Insurance That Every Canadian Should Know Understanding the Top Reasons to Get Life Insurance in Canada If you’ve ever wondered whether purchasing life insurance is worth it, you’re not alone. While many Canadians put off the decision to purchase life insurance, thinking it's something to deal with later, the truth [...]
Who Should Get a Life Insurance Policy? Understanding When and Why a Life Insurance Policy Makes Sense Most of us don’t wake up thinking about life insurance. It’s one of those topics that tends to sit on the back burner until something—or someone—makes us stop and consider it. But if you’ve ever asked yourself, [...]
The Chronically Under-Insured: Canadian Life Insurance Coverage Gaps Why Millions of Canadians Are Still Missing the Mark on Life Insurance Protection Despite living in one of the most developed and financially secure countries in the world, many Canadians are still falling short when it comes to protecting their families with proper life insurance coverage. [...]
Should You Self-Insure or Get Disability Insurance? Why Relying on Savings Might Not Be the Best Plan Many people ask whether it’s better to self-insure rather than purchase disability insurance. The idea makes sense on the surface—why pay premiums when you could just save money in case you ever become disabled? But when you [...]
Is Shared Critical Illness Insurance a Good Idea? What You Need to Know Before Saying Yes If you own a business in Canada, you've probably been approached about a Split Dollar Critical Illness (CI) Policy at some point. On the surface, it seems like an attractive way to get critical illness insurance while also [...]
What are the Best Disability Insurance Contracts in Canada for Professionals? When selecting a disability insurance policy as a professional, it’s important to understand the key contract provisions that set the best policies apart. One of the most significant features is Non-Cancellable coverage, meaning that while you can cancel at any time without penalty, [...]
